and by the way, the idea came not even from paul ryan or senator widen, the coauthor of the bill with paul riden it became from bill clinton's chief of staff. this is an idea that's been around for a long time. we're saying, let's see if we can get competition into the medicare world so people can get the choice of different plans at lower cost, better quality. i believe in competition. >> jim, if i can just respond quickly. first of all, every study has shown that medicare has lower administrative costs than private insurance does, which is why seniorly are generally pretty happy with it, and private insurance has to make a profit. there's nothing wrong with that. that's what they do. so you have higher administrative costs. plus profit. on top of that. and if you are going to save any money through what governor romney's proposing, what has to happen is that the money has to come from somewhere. and when you move to a vouch erp system, you are putting seniors at the mercy of those insurance companies, and over time, if traditional medicare has decade or fallen apart, then they're st